Internet User Agreement

The First National Bank in Pratt (collectively, "FNB Pratt") requires that all visitors (collectively, the "User") to its site on the World Wide Web (the "Site") adhere to the following rules and regulations. Please read these terms carefully before using this Site. By accessing the Site, User acknowledges and accepts these terms and conditions. FNB Pratt may modify or supplement this User Agreement by publishing amendments on the Site and may discontinue or revise any or all other aspects of the Site in its sole discretion and without prior notice to User.

Ownership of Site

All information, including text and graphics, contained in the Site is subject to a copyright by FNB Pratt, or others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of FNB Pratt or other holder of the copyright.

FNB Pratt Products and Services Offered on the Site

FNB Pratt may make available to User various financial and investment products and services through the Site. Not all of the products or services described on the Site are available in all geographic areas. Every User may not be eligible for all products or services. FNB Pratt reserves the right to determine a User's eligibility for any product or service subject only to federal or state law. In addition to the terms and conditions of this User Agreement, specific FNB Pratt products or services may be subject to certain other disclosures and agreements which are available in FNB Pratt’s Disclosures.

Banking Products and Services

Deposit and loan products and services are made available through First National Bank in Pratt, a national banking association headquartered in Pratt , Kansas , member FDIC and Equal Opportunity Lender.

Nondeposit Investment Products and Services

Nondeposit investment products and services are offered through Cetera Investment Services LLC, 400 1st South, Ste 300, St. Cloud, MN 56301-3661, member FINRA/SIPC, Annuities and life insurance policies are issued by life insurance companies and are available through Cetera Investment Services LLC. Securities, mutual funds, annuities and life insurance products are not bank deposits and are not guaranteed or insured by the FDIC or any other entity and are subject to investment risks, including possible loss of the principal amount invested. Information published by Cetera Investment Services LLC as part of this web site is published in the United States and is intended for persons in the United States. Cetera Investment Services LLC is not registered in all states. The information on this site is not an offer to sell, or to solicit an offer to purchase, any securities by anyone in any jurisdiction in which such offer or solicitation is not authorized, or in which Cetera Investment Services LLC may not be qualified or registered to do so, or to any person outside of the United States.

General Disclaimer of Warranties and of Liability

FNB Pratt does not represent or endorse the accuracy, adequacy, reliability or completeness of any information, content or advertisements contained on, distributed through, or linked, downloaded or accessed from the Site, nor the quality of any other products, information or other materials displayed, purchased, or obtained by User as a result of any advertisement or any information or offer in or in connection with the Site. User agrees that all access and use of the Site and its contents is at User's own risk. By using the Site, User acknowledges that FNB Pratt specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with User's access to or use of the Site (even if we have been advised of the possibility of such damages), including liability associated with any viruses which may infect a user's computer equipment. Except as restricted by applicable law, or express agreement, FNB Pratt is not liable for any direct, indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with the Site or any interruption, delay in its operation, computer virus, loss of data, or otherwise. THE SITE IS DISTRIBUTED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE, OTHER THAN THOSE WARRANTIES OF SPECIFIC FNB PRATT PRODUCTS OR SERVICES TO WHICH FNB PRATT HAS EXPRESSLY AGREED.

Disclaimers Relating To Products and Services of Third Parties

FNB Pratt may maintain on its Site one or more electronic malls or market places, or otherwise make available hypertext links, icons or marks of various merchants, suppliers and other companies unrelated to FNB Pratt. FNB Pratt has provided these hypertext links, icons or marks for User convenience and does not endorse or accept responsibility for any such web site. FNB Pratt makes no representations about any web site User may access through its Site. Any third party web site linked to this Site is independent from FNB Pratt and FNB Pratt has no control over the products, services or information contained in or available through these third party web sites. The quality and dependability of these third party web sites may vary as they are updated or altered, and FNB Pratt does not accept responsibility for monitoring or testing the quality or dependability of such third party sites. Access to any third party web sites linked to this Site is at the User's own risk. FNB Pratt shall not be considered an agent of any third party and FNB Pratt shall have neither responsibilities nor liabilities to any User regarding any action, omission, or warranty of any kind concerning any third party, its products, services or information. By providing hypertext links, icons, marks or other information of a third party, or by advertising on the web pages of a third party, FNB Pratt does not endorse, and shall have no obligation or liability concerning, such third party's delivery, or non-delivery of its respective goods, services or information, or the accuracy, adequacy, reliability, completeness or timeliness of such goods, services or information. With regard to services or products purchased, obtained or delivered by or to the User by a third party provider, FNB Pratt makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such service and products and FNB Pratt specifically disclaims all other warranties with regard to said services and products. Additional disclosures and agreements relating to specific products and services of third party providers are available from the site of the third party. Before dealing with any third party, the User should read, understand and be satisfied with the terms and conditions of such third party related to its products, services or information.

Access to Site

Certain products and services available on the Site, including FNB Online, require password(s), user id's, electronic signatures, authentication certificate(s) or other authentication procedures to assist in attributing an electronic record to a User ("Access Authentication"). Such Access Authentication may be revised by FNB Pratt or a third party provider from time to time without prior notice to User.

User shall be solely responsible for controlling and safeguarding its Access Authentication to prevent disclosure to unauthorized person(s). You can change your password once per calendar day. It is best to periodically change your password. Do not display your password at or near your computer. Do not use numbers or names that others can guess for your password. No FNB Pratt person will ever need to know your password and you should not furnish it to anyone claiming to represent FNB Pratt. You should exit FNB Online, or any other secured site, as soon as you complete your transaction. Do not leave your computer with your account information on the screen. It is recommended that you close your browser after signing off from FNB Online, or any other secured site, to clear account information from your browser's memory. You should treat your Access Authentication as a valuable financial asset and be diligent in safeguarding it from disclosure to unauthorized person(s). User shall be responsible for all use of the Site accessed through User's Access Authentication. User hereby ratifies and guarantees any obligation or transaction entered into or assumed by others who access the Site through User's Access Authentication. User agrees to promptly notify FNB Pratt, or the applicable third party provider, of the loss or theft of User's Access Authentication.

Access to Site by Aggregator or Other Agent of User

If you share your user id and password with others, such person(s) will be deemed to be your authorized agent(s) for accessing the products and services on the Site, and you will be solely responsible for all transactions they conduct, even if those transactions are beyond the scope of the agreement you have with your agent. This includes any information obtained or transactions conducted by an Aggregator, or person(s) who obtain your user id and password through an Aggregator. An Aggregator uses a method called screen scraping to collect your Internet account information from various sources and consolidate it in one place. You will be asked to provide your user ids and passwords for your Internet accounts to the Aggregator to be maintained by the Aggregator and used to access your Internet accounts. Whether or not to use an aggregation service is a decision requiring careful review of the risks and of the specific Aggregator providing the service. Since your confidential user id, password and account information will be stored with the Aggregator, it is essential that you have confidence in the Aggregator and its security, and be satisfied with the terms of the Aggregator's privacy policy and user agreement.

Transmission of Information to Bank

Any communication or material you transmit to us via the Site or Internet electronic mail becomes the property of FNB Pratt and may be used by FNB Pratt for any purpose within the limits of Our Privacy Commitment. You may not transmit any obscene, libelous or defamatory messages to us. All communications you send to us may be shared by FNB Pratt with any of its affiliates unless you notify us to the contrary.

Governing Law

The Site is operated by First National Bank in Pratt from its headquarters in the State of Kansas. FNB Pratt makes no representation that the information contained in the Site complies with the laws of any other jurisdiction. The use of the Site is governed by the laws of the State of Kansas without regard to principles of conflicts of laws.

Termination of Service

First National Bank in Pratt reserves the right to deny or terminate User's access to or use of the Site, or any service or product, in FNB Pratt’s sole discretion, without notice and without limitation, including, but not limited to User's breach of any provision of this User Agreement or any additional agreement relating to a specific product or service, or discontinuance of FNB Pratt access to any product or service from any third party provider.

Change in User Agreement

First National Bank in Pratt may revise this User Agreement at any time, effective upon posting the revised User Agreement on the Site. Continued access or use by User of the Site after posting of the revisions by FNB Pratt, shall constitute User's acceptance and agreement to the changes in the User Agreement.